- Let them know how much you typically charge.
- Share your new design renderings, sketches, photos in our website, which will be shown to many people here in China. Do not worry our site is easy to use. And it’s all free. Scroll down to read our explanation.
- Or, if you are a freelance designer, you can use our another website to create a Chinese resume for free.
Note that if you publish these messages on our website, we will be able to share them with all our readers at the same time using the internet marketing tools by giving them the link. In the meantime, search engines will also help you to find clients who are interested in your design.
If you are a design firm and have no website, I am afraid our clients will not trust you. Would you like us to create a website for you?
Chinese social media
How to post your new designs in Chinese social networking sites without hiring a translator
A picture says a thousand words, especially when design is involved. Publishing your best work is the best way of marketing nowadays because it’s efficient without needing to type a lot of words, and using your smart phone to do so can be fast. It saves your energy because what you need to do is just make a number of selections, and upload a few photos of your works.
More and more people are using smart phones to get on internet, instead of PC. And people are using social networking sites to share/get information more and more, instead of using browsers. So we encourage our international architects and designers also try to use the Chinese social networking sites, which are similar to Facebook and Twitter.
Really? Can I use my smart phone to post my new design works to a Chinese social networking site, even though I do not read and write Chinese?
Yes you can. And you don’t need to write nor read Chinese, it’s easy and free. Just fill some forms we designed. Your selections will be shown in Chinese.
- DESIGN BROCHURE IDEAS: HOW TO MAKE IT ATTRACTIVE TO CHINESE CLIENTS, Click [2];
- FIND CHINESE DESIGN PARTNERS WAORKING TOGETHER FOR MORE JOBS, click [3];
- HOW TO DESIGN A CHINESE WEBSITE/COMPANY PROFILE, click [4];
- TEAMING UP FOR SUCCESS: CALL YOUR TALENTED DESIGNER FRIENDS TO FORM A STRONGER TEAM, click [5];
- TELL OUR CLIENTS IF YOU ARE VISITING CHINA AND WANT US TO SET UP SOME MEETINGS [6];
- YOU SHOULD PUBLISH YOUR TYPICAL DESIGN FEE IN CHINA! [7];
- TO INTERNATIONAL DESIGNERS/ARCHITECTS WHO HAVE ALREADY SET UP AN OFFICE IN CHINA [8];
- TERMS AND CONDITIONS [9];
- HOW TO GET PAID IN CHINA BY THE DEVELOPERS [ARCHITECT/DESIGNER] [10];
There are five basic design brochure principles that we would like you to remember:
- It needs to be .pdf or .pps format. Do not send us a bunch of photos.
- The pictures need to be clear, not blurring. Under every project’s pictures, explain why you believe the project is appealing to Chinese client. The style? the effective costs? it indicates a new trend? sustainability? Please write down your thoughts as if you are meeting with our clients and you want to convince them face in face. What will you be saying when you in the same room with them? Write them down. All the specials…
- Make it clear what kind of services you provided on each project, for example, if you are an interior designer but you didn’t design the cabinetry, please make it clear.
- Your brochure needs to be translated.
- On each slide or page, there should be one major photo which size is large enough to see details even the reader is a senior citizen. Such major picture should be at least 600 x 400. If you believe your parents will complain the pictures are too small on your brochure, then please do it again.
Take a look at this e-Brochure that we think the best.
Remember that, in most cases, the Chinese decision makers are senior, and they will make decisions based on your brochure, and the interview. None of them speaks English.
Have you revised your brochure according to the four requirements above?
Yes but it is not translated yet. | Yes we have.
Obviously your office do not have anyone who speaks Chinese. Please click brochure translation to read about our translation services. If you cannot afford that, you will read instructions of how to have your company profile page translated, for free. After that please come back and click “translated brochure.”
You have already translated your brochure into Chinese? Great! Before you send it to us, please take a look at these new luxury houses built in China in recent years to understand what kind of styles/design Chinese clients believe are high quality and nice; things are so different here, Chinese have different taste. You really need to understand what typical Chinese clients like before you introduce yourself to this market. If you believe your design brochure meets the taste of Chinese clients, please upload your brochure to your website and give us the link. Click here to send the download link.
Are you already working in China? Click here. Otherwise please keep reading.
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We have worked as a facilitator/translator on many projects in China. Most of international designers and architects were having a hard time trying to understand what the Chinese clients really want. It was very time consuming and almost exhausting at the beginning of each project. In some cases the client just fired the designer because they were running out of time and patience.
One big difference is: Almost all Chinese clients would like to have their projects/homes feel like a luxury hotel, especially those top brands like Ritz Carlton which is more classic feeling than W hotel, etc. While in the western world, private homes/spaces are definitely very different in terms of feeling.
In cities like New York, Los Angeles, San Francisco, etc, people like these kinds of architectural styles: barns …they are not considered pretty in China. They reminds us of cheap industrial buildings, workshops, etc. So do not include this type of works in your presentation. When you include some particular styles that you designed, ask yourself: do Chinese like this kind of thing? We do also love to keep our own history when we develop a new project, and there are also many traditional Chinese architectural styles that we are now trying to rebuild, like these: 1 | …what I am saying is, before you send us anything, think hard and figure our what would be appealing to your future clients, and choose those pictures to include in your brochure, which represents you in the first meeting with each potential Chinese client.
Most international architects’ design consists of 100% straight lines, 90 degree corners, hard edges/surfaces. We do not like that. We like your works showing a balance of straight lines and curves. So please pick pictures of your works appropriately.
- If you are sure no Five Star hotel brand would accept your design/style, then most likely we will not like it either. If you have never worked on any project that has the quality of a Five Star hotel, then you need to team up with someone else because most Chinese clients will not accept your portfolio. This is tricky we know. Click here to find our more about our advice regarding teaming up with other talented designers.
Ok, next
- Do not try to include different styles in your presentation showing that you have the ability to design many different styles, only include those that you are really good at.
- Focus on your experience working on Chinese projects if any.
- If you have designed any luxury projects, please include them and explain what services you provided in more details. Try to find some recent photos from the official websites of those projects.
- If have some good designer friends who are talented and easy to work with, call them and see if you can include their portfolio.
Okay I get it, next.
Appropriate size of pictures in your brochure
- Some featured images should cover the entire page, and they should have high resolution. Do not include a lot of pictures in one page, readers will get confused and distracted. Every page should have a large photo.
Not over 5 pictures on one page. Click here for a good example.
Okay I just improved it, next.
- When you include the resumes of the designers, no need to say a lot about his/her educational background, or which companies he/she worked in, list all the projects he/she was involved, and what he/she was doing on those projects. We only care about his/her working experience…the type of projects he/she was working on is more important.
Teaming up for success
Okay I just improved it, next.
A tailored brochure always work better than a general brochure of your company when we have a project for you, unless you are working in a small design studio with a very limited portfolio. Some of the successful large international design firms have already been doing this. They have multiple brochures for different types of projects, for example, a brochure of master planning works plus one for interior design projects, plus one for hotel projects, etc.
At least prepare a carefully tailored brochure specially edited for the China market. Do not use the same brochure that you show to your local clients. If you do not know what the differences are, well you have so work to do, please more articles posted on this website. We will help you.
I have already done that. | I have sent you our brochure and apparently it was accepted by you. [hide-this-part morelink=”Click here to send us your brochure”][contact-form-7 id=”822″ title=”send.us.brochure”][/hide-this-part]
If you are looking for a full time job in China, then it’s fine that you do not need a translated brochure of your works. Otherwise we cannot promote your service here as we cannot send a designer’s brochure to a client which cannot be understood. It will make us unprofessional.
2. You need a really impressive digital brochure for us to show to our potential clients. Sadly most of the international design firms do not have one. Only those mid-large firms have enough experience and portfolio to make an impressive/professional presentation of the company. Yes we know that most designers have a brochure but they are not impressive enough for Chinese clients. Here in China the clients only hire large design firms who look strong and experienced. If you have a small firm, only you and your assistant work in the office, then try to team up with other small firms so that the team looks strong. We can put you together with other smaller international design studios if you feel comfortable. We know this does not sound pleasant but that’s why you need a consultant and representative because here in China everything is different. Being uncomfortable working here is normal. If you hire us to be your representative, then we will do this for you, just send us all your works and we will handle everything else. Pls click membership above to find our more about our services and how we charge for our time.
3. Your brochure needs to be in Chinese/Mandarin. If you do not have an in-house translator, then we can do that for you. In most cases our translation is better than those you can find in the translation agencies, etc because we understand the terminologies and know what’s important, what’s not for marketing purpose. Typically we charge …
4. If your marketing people is not very good at making presentation, then we can also do that for you, we charge $25/hour and normally it would be $100 for us to make a presentation for you. Again, our marketing people know what’s important, which picture should be emphasized, which one should be moved away, etc.
5. We want to build long term relationship with all our business partners. And we hope you do too. Which means we will need to show understanding to each other when things are not moving forward as we expect. Also, we need to be flexible enough to establish your company in this country.
Purposes of teaming up with Chinese design partners:
- They can connect you with many Chinese clients and resources if your talent and attitude are favored by them.
- Before each project, especially if it is an architecture design or master planning task, the architect and planner need to have enough information regarding the local codes, resources, rules, traditions, available materials, cultural background, etc. There is no way you can do it all by yourself, without the support form a local design partner.
- A Chinese designer partner will be great help to lower the cost, and speed up the process.
- You could save your cost of hiring a translator too if they have an in-house translator.
- They can review your design right from the beginning, before you show it to the Chinese clients. And in most cases they will have some questions/confusions/advice for you to modify your design package, so that the clients do not see them.
How to find Chinese design partners
Step 1: Post your company profile in our Chinese website. Just click HOME above to take a look at it, then sign up. Click here for more details of how to create a Chinese company profile. You will also read why this is necessary. Our website is like Linkedin, the difference is that our Chinese website focuses on helping international architects and designers to find jobs in China, nothing else. Also we are consultants, not running a website.
Step 2: When you post your company profile, select that you would like to work as consultants or part time designer for a high level local design firm, or select that you are looking for local design teams to partner with. When our designer friends read those messages online, and like your Chinese company profile shows, they will contact you, or ask us to contact you.
Step 3: We will ask the local design firm to send their website and brochure to you. If both are happy with each other’s works, Amasia will draft a contract for you both to sign, after both sides approve the content. We will need both sides to pay us for this phase of services when a contract of partnership is signed.
How much do we charge for this kind of networking
We charge $500 on each side after a contract is signed. If any side decides to quit, or not really confident in the other side, then we do not need to sign this contract, and nobody needs to pay us.
Why do I need a Chinese website? Well, besides the obvious marketing reasons, there are some technical aspects to consider.
- Most of international websites are blocked by the Chinese government, as you may have heard. What you haven’t heard is that yours, although non-political and pure-design, might have been blocked too. It’s not really because you posted anything they do not like, it’s just that your website shares the same IP address and the server with a bunch of others which most likely caused the problem. It’s easier to create a separate website in Chinese which you make sure it’s accessible by Chinese. Your website hosting company/web designer didn’t check this because they never had to look at this. Also you need to be in China to check it. We can help you to verify that, please use the link to the right (PC), or below (smart phone).
- Many international designers’ sites are fancy but very slow to open for Chinese to browse, because we do not have the same internet speed as you do in your country. So we always explain to our clients that their new Chinese websites need to be simple and easy to navigate, not too fancy. Just like our website, it’s not fancy, but light weight, easy to follow and informative. You can send your site to us using the comment form below, and we will tell you if it’s fast enough.
- Your existing site may not answer those essential/relevant questions to our potential Chinese clients because it was designed for your own traditional market, not Chinese market. They do not need to know the brands /manufacturer /distributor of particular furniture/fixtures in your project, because it’s very unlikely a Chinese client will import them from your country. They do not like to hear you keep saying how great your relationships with your old clients are, how thoughtful you are…everybody says those words and we do not want to hear that. In this new Chinese website you need to tell your potential Chinese clients what they are concerned about, what they think it’s relevant and important…which you need yet to learn I think, you need us to tell you. If you would like us to help, and tell you what additional information to provide in your website, please use the comment form below to let us know your requirements, including your budget. We will let you know how much we will charge. Typically it’s about $100~200 depending on the size of your site.
- Chinese have very different taste than the westerners, which we believe you also need us to advise you, so that you show exactly what the local market want to see in your Chinese website. So you may have already translated your website into another language, it is unlikely you have modified the content. We can help you to select those works that will impress Chinese clients the most.
If you are a freelancer designer, you only need a resume and portfolio. No need to have a website. Or a blog would do.
Do you have a Chinese website?
Yes I do | Not yet.
First of all, make sure your nice website is not be blocked in China. Comment on this post and let us know your website, we will verify it for you.
Done that? okay, let me explain why we can do a better job than your local website design company regarding designing this Chinese website.
- We speak Chinese, they don’t which means they will have to hire someone to translate your site into Chinese language, and nobody knows about the quality of translation. If you hire us to do this, there will be no translation needed, we write new fresh information in Chinese which is our mother tongue, which would sound a lot more native. Your English message is mainly for local clients, or maybe international clients, but not particularly for China. Even it’s translated it is still for the same clients. There will be some essential information missing in your translated site.
- Designing a website for a design firm is not as difficult as many people may think nowadays, we are not a professional web design company but we can do a very good job, because your website does not need advanced coding/programing. We will just work on the look, style and more importantly the content, pictures, etc. These are quite easy actually. Remember that we are running a bilingual website ourselves and we did everything by our hands.
- Our cost is not higher than hiring your previous web design company, if not cheaper.
Run a blog of your design
Many designers and corporation use Facebook and Linkedin to promote their design. You may also do that in China market. China has Linkedin but Facebook is blocked. However, the most popular Chinese social networking platform is called Wechat which is similar to Facebook and we can maintain a Wechat account for you to attract more clients.
We can also run a professional and constantly-updated blog as part of your Chinese website. Search engines like Google favor websites with fresh contents. That’s extra cost of course, on a weekly basis. Compared with the traditional marketing strategies, this is very effective, and very cost efficient.
Almost all our clients in China found us from internet. We are pretty good at this strategy.
If your company is not a big design firm, and you do not want to spend a lot of money and time to create a new website in Mandarin, you can just create a company profile page in Chinese, which is free using our tools. Click the link to the right to read more details. The link may be below if you are reading this article on your phone.
Even if you represent a big design firm, you should also consider creating a Chinese company profile page on our websites just like what you do on Linkedin. Our Chinese websites is similar to Linkedin which features in introducing international designers, instead of successful design projects. It’s free.
As you may have seen that Amasia is an internet-based business, which means we are very familiar with internet marketing. And we are pretty good at it actually. Let’s help you to take advantage of the efficiency of internet and expand your business in China.
How to start? Simple. You need to have all the necessary materials in Chinese, and then show them to the China market. It’s just like you do business in your own country. First of all, you have a website in Chinese, print some brochures/business cards which your targeted market can read, and find ways to pass them to the customers. The same process applies here.
Updating your Chinese website means it will have new contents regularly, say every week. Normally we need 2 hours to produce a nice article related to your business, and in Chinese language, and have it published on your website. Such contents will not be translated into English to get your approval because it will be too time consuming. How do we get the content on your behalf? Every week we will send you a document with a list of questions regarding your new project, or a well known project, or a project in China, your opinions and answers will be translated into Chinese. That’s the way we update your Chinese website.
So are you ready to hear more about the cost? Not very expensive.
Yes, I am interested in creating a Chinese website. | No, thank you.. | I am only interested in the cost of a Chinese blog.
Cost of Design A Chinese Website
The cost is typically $500~800, including translation and the first year’s fee. If you have a long award list, or over 1,000 words to translate, we will charge extra translation fee. Use the comment form below to send us your website, we will email you how much the actual cost will be after taking a look at your site.
Click “bilingual website design” to the right to find out information if you do not have a website yet, not even in your own language, and you think it’s a good idea to just hire us to design a bilingual website for your design service, for example, if you just opened your own design studio, or you would like to have a business of your own on the side as a senior designer of a design firm you work for. The cost is also shown there.
Want to learn more about the steps of hiring us to design a Chinese website for you? Click here.
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What are our steps to design a Chinese website
Step 1: After receiving your retainer, typically half of the design fee, we will send you a list of questions that typical Chinese clients always ask before they hire an international design firms, for example: Have you worked in China before? Can you put together a team with China working experience? How much do you charge? Have you worked for any celebrities that are known in China? etc.
Step 2: Translate the content into Chinese.
Step 3: Install a Chinese website and design the appearance and page structure.
Step 4: Upload the content translated, and your pictures of works/team member photos.
Done!
Remember that the fee only includes the cost for our service. You will need to pay the hosting company each year for the domain, hosting costs directly. We will let you know the process and where to pay. Those are normally American companies.
We are expected to be paid for the second half of design fee after you approve the new Chinese website.
Send us your existing website and requirements, we will tell you how much and how long to take.
Maintain/update your Chinese website
How much does it cost to hire you to update my Chinese website to keep it on the first page of Google search results?
Generally we need two hours to post a professional design related article on your behalf, in Chinese, based on the information you shared with us.
We charge $100 for each post.
Question: If I pay you to update my Chinese websites by posting design-related articles regularly, how do I know the quality will be good since it’s all in Mandarin?
Answer: We will not write anything on behalf of you. We will just translate your own advice/ opinions/ process/ analysis, so you can trust the quality of the original source. As for our translation skills, trust us, this is really simple job for us. Interpretation is challenging because you won’t be able to use dictionary.
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Learn How to Convert Company Profile into Chinese FOR FREE!
Most of you have a company profile page on Linkedin.com. It has it’s limits because your information/profile is in English so it does not work in China. We are offering you an opportunity to create a company profile page which you can add to your own websites or any of your social-networking pages like Facebook or Linkedin. Wouldn’t that be nice?
How?
Amasia has a popular website focusing on introducing international design firms, in Chinese language of course. It is not a website like those design magazines, which focuses on sharing design projects and products like Architectural Digest. When a Chinese client looks for an international design firm, it saves them a lot of time to search on our site. Our website is designed that way. They will get the most important and basic information from our posts straight away. Take a look! It does not look like a design firm, nor a design magazine, it’s informative and thus very popular/trusted.
How come it is free?
When you sign in our Chinese website, you will make a lot of selections, answer some questions. Those selections have already been translated. Your answers will be incorporated into an article in Chinese. In another word, our system will convert your selections like interior design, USA, California…into Chinese without the need to human translation.
Since we have been a bridge linking international architects and designers with Chinese market for years, and we have always been using internet, social media to promote the designer’s services, our online conversion system actually works quite well.
There will be some messages that you typed cannot be translated by our system, we can provide human translation to those words when requested. Remember that, anything you select will be translated, anything you type will need to be translated by us.
When you start a new business, the first thing you do is to register your company so that clients can find you, and then get a business card. The same process applies with the China market. You need to register your services ONLINE in Chinese, and prepare a business card in Mandarin. Well, such a Chinese company profile serve both purposes.
Question: Will I be notified if a Chinese client contacts me on your site?
- Yes, the site will encourage any potential client to contact you directly, and the message will also be automatically converted into English, which is also free. There will be no human translation involved that’s why.
Very few architects/designers can offer a presentation that is impressive enough for us, by selecting works of his/her own. If you want to compete with those large international architectural deisgn firms, you have to team up with other designers, and make your team as strong as those large firms which have been working in China for years, like SOM, Gensler, etc. In China, most of your future clients are large companies, and they would not select a small design firm without an impressive portfolio.
Also, it’s important to team up with a few Chinese design firms so that you can handle a lot more projects as a team. Click local business partner above to read more details of how.
How do we create advantages for small design firms to win jobs
When a client chooses a designer/architect, they mainly think about Price, China Experience, Quality of Design, Well Known Projects and Celebrity Clients, Flexibility(Easy to Work With).
Because Amasia represents a number of freelancer designers and small size studios, we can always put together a team of different design firms, so that the team is just like a large international design firm. Most of the projects that need international designers are large scale ones like resort master planning, and only a complete team can do it well. Coordination among such a team is handled by our experienced project managers who speak both languages.
Your company may have no experience working in China, but a couple of other team members will have. However, they may not have won top design awards but you may have. So we combine all of you together to look better. If you sign up our websites, our local designer friends may choose to team up with you for some high end projects that they may not be able to handle themselves. Click HOME above to sign up that site.
Remember, before you reach us, think about bringing a team of your friends.
In many cases, we recommend our designers to a Chinese client, and after the Skype interview, both sides feel comfortable with each other, but the face-to-face meeting becomes a problem. It’s too expensive and time consuming for the designer to fly to China to meet with the client. So it’s a very good idea to try to meet with as many potential clients and business partners as possible, when you or your collegue will be in China soon.
So we created a form encouraging you to post the messages of such trip to China on our website, and we will spread it to the world so that our clients and business partners know. This is free, and our system can convert your messages into Chinese so that more people will get to know you here in China. Want to try it?
Step 1, register a username here.
Step 2, click Post New to let us know you are coming and we will help you to meet with some of our clients who are looking for international designers. Yes that is a Chinese website, it is supposed to be in Chinese, that’s why we do not want you to post it in this website which readers are English-speakers. It’s the same company who manages the two sites. We are a bridge and we do things differently.
Step 3, decide if you will need a translator with you, or you will want the client to arrange the translator.
- It saves everyone’s time. Since most of jobs have a tight schedule, in many cases our clients may just pick you out of a favorite list since they know they can afford your service.
- If the readers of our website know how much you typically charge, who are mainly Chinese local designers, our Chinese designer friends will also introduce your team to their clients who are looking for international designers, when they find out that your service is in the budget of the clients.
- We, Amasia Marketing Consultants, also prefer to recommend those who are not expensive to our clients. So we need to know how much you charge, in addition to your talent.
When you work in China, the air fare and all other mis expenses during design should be part of your proposal. There is no such a thing that the client reimburse you on those costs. For example, if you want to charge $100,000 for your design hours, please add your air fare and hotel budget on top of that amount.
In some cases, you can ask the client to book domestic air tickets and hotels for you and the translator. It’s easy and acceptable. But asking the client to book international tickets for you is beyond their ability, better you book the ticket for yourself.
We will instruct you how many international air tickets to include, if we work together.
Specify that your fee is after tax. Let Chinese clients pay Chinese local tax for you.
In some cases, when you are recommended by a local designer to a Chinese client, you and the local design firm will become a team and it’s likely you will get paid by this local design firm. In this case, definitely your fee should be after tax because they will be paying the tax.
Who will issue the invoice? We will do that on behalf of you.
There will be some requirements and different processes here than those in your country, and we will instruct you to be prepared.
We assume you have a representative office or design company in China since you have been working in our country. And we believe you have a website showing all of your design works and the team?
Yes. | Not really.
Please note that
1. Our translator may need to ask you what some of the terminologies/names mean for precise translation;
2. We will need to confirm the translation fee when we receive your document of original texts/document;
3. Please send the origianal document of your brochure/presentation of your company to the following email address: amasia.china@gmail.com once you made the payment. Thank you.
invoices and pay requests are to be prepared by Amasia,
unless otherwise you know exactly how to do it yourself.
We will make sure your fee proposed is after tax.
But your invoices should include local tax!
For example, if your design fee is 1 million dollars after tax, then state in the contract/proposal that it’s after tax amount, and prepare the invoices like this: one invoice is 1 million dollars, and another attached invoice is $110,000 which is around 10% of the total amount of $1,110,000. Normally the amount of $110,000 is more than enough for the client to pay the local tax. They can keep the rest of it if it’s more than enough.
I know this sounds complicated, and maybe you have worked in China for years but never needed to do this. But trust me, it will worth it if you are well prepared for any complicated situations. China is a very different country in terms of economic systems, do not wait until you are asked to respond. Be prepared and think things through in advance.
What is Pay Request? Why do I need to send a pay request in addition to invoices?
Pls also note that we will need to prepare a Pay Request form attached to each invoice. Their purpose is different from the invoice, it is a letter to request the client to pay you, so it’s written like a letter and explain why you believe your part of work has been finished, how much it is, how much the client has already paid for the project in the past, etc. The client can sign and approve the pay requests but not the invoices. The invoices will be sent to the client after the pay requests are approved by them, and the invoices will be shown to the tax government and the bank before they pay you. Each payment will need to be proved by the government in China.
If it’s a $100,000 bill to pay, we will prepare four different documents for such an amount.
Document 1. An invoice with the amount of $100,000; this amount will be paid to you.
Document 2. A Pay Request form for such an amount of $100,000;
Document 3. Another invoice for the tax due, which amount should be around $11,000; this amount will be paid by the client to the tax government, on behalf of you, the designer.
Document 4. A Pay Request form for $11,000;
We will send these prepared documents to you, just print them and mail them to the client.
Qualification Documents needed for works in China
You will be asked to provide the following documents before signing a contract:
- Incorporation Certification
- Tax Payer Certification
- Architect/Designer’s photo ID copy
- Certification as a licensed architect
- Business bank account info